text:
Anyone trying to or needing to sell a home in the next few months will find out what "illiquid" means.
There will be no buyers, but there will be a record number of sellers.
Trust is gone. People can't get financing. The banks want downpayments that people don't have. Jobs are on the line. Even cash buyers will now wait for even lower prices.
For housing prices, get ready for the next leg down. On-the-brink 'homeowners' will simply walk away, while the banks continue to fail, and the REOs and foreclosures hit the market at shocking prices.
Now, it gets desperate. All sellers, no buyers.
You ain't seen nothin' yet.
October 10, 2008
With credit frozen up, the stock market crashing, jobs in jeopardy, and home prices still in freefall, where are the buyers?
Posted by blogger at 10/10/2008
31 comments:
Are the buyers following the two rules of Economics.
1) FEAR and GREED
2) Path of Less Resistance
What is the path of less resistance.
Are banks fearing to lend to buyers because with the global stock markets tanking many companies will need to tap into their cash reserve further weakening their credit rating.
As a result many companies will need to cut expense like jobs.
Without jobs how will the buyers be able to pay back the banks.
TED SPREAD is currently at 4.23 basis points.
- October 10, 2008 6:09 AM
The illegals will continue buying. No seriously, they've been had by their own compadres in the mortgage business and it will keep on going.
- October 10, 2008 6:20 AM
Hrmm, I think it depends on the area. Here in San Diego, foreclosures (REOs) are experiencing bidding wars (as I've been involved in quite a few of them), most of them bidding upwards of 30K over asking price. REOs are flying off the MLS, short sales are taking their time and the other sellers are not selling if they don't have to. At least that has been my experience the past week to 12 months in North County, San Diego....and still going. The short sales are typically 3 to 4 on a "waiting list" per property (in the good school areas). Although, I've noticed having a 15 to 20 % minimum down payment is a must.
- October 10, 2008 6:20 AM
What cause the DOW to sink in the last couple minutes before closing.
Did it have anything to do with the lifting of the Short Selling ban.
May the Buyer beware.
The Securities and Exchange Commission's ban on short selling, which sparked a series of similar bans around the globe, was intended to be a "time out" and "restore equilibrium to markets."
By the time it expired Wednesday night, the general view was that it added to market confusion and didn't do much to halt the slide in financial stocks.
- October 10, 2008 6:23 AM
Should buyers ask the SEC to re-instate the short selling ban again.
GM and M Stanley share falls blamed on return of short selling
The return of short sellers to the US market after a near-three-week ban was blamed for a sharp drop in prices yesterday as General Motors and Morgan Stanley led stock markets sharply lower.
- October 10, 2008 6:26 AM
Will National City be the next to fail.
The bank's not speaking about an unnamed source that claims National City has been looking for a buyer.
- October 10, 2008 6:33 AM
If there are any buyers out there currently thinking about buying a home perhaps you should as yourself the question why are Venture capitalists saying things like
"take a hard look at expenses they could cut"
"In 2000 and 2001, the companies that hunkered the fastest were the companies that survived,"
Sequoia Capital gathered the chief executives of its portfolio companies this week and told them to focus on becoming profitable and take a hard look at expenses they could cut, according to people who attended the event.
The technology industry, which had seemed immune to the financial crisis, is now getting squeezed on two sides: Established companies are struggling with slackening demand while venture capitalists are telling start-ups to cut costs and plan for a prolonged downturn.
Venture capitalists are running into trouble raising new funds and tech vendors are getting squeezed as businesses cut budgets, banks pull credit lines and consumers close their wallets.
Venture capitalists who have been trying to raise money in recent weeks say their investors -- including pension funds, endowments and wealthy individuals -- are retreating from new investments because of the credit crunch.
Benchmark Capital, a prominent Silicon Valley firm, recently sent a letter to its portfolio companies telling them that "financings as we know it just got a whole lot tougher."
Silicon Valley venture capitalist Ron Conway sent a sobering e-mail on Tuesday to the 130 start-up companies he's invested in: now is the time to hunker down.
"In 2000 and 2001, the companies that hunkered the fastest were the companies that survived," said Conway in an interview with CNET News. "Get costs under control; make sure you have plenty of runway."
- October 10, 2008 6:47 AM
Did the Bailout Plan fail and did the coordinate rate cut make things even worst.
Asian markets plunge after huge Wall Street losses
Asian stocks plunging Friday, with Japan's benchmark index plunging more than 10 percent.
Markets in Hong Kong, Australia, South Korea, Thailand and the Philippines were all down more than 7 percent. Shanghai's index was down 3.8 percent.
- October 10, 2008 6:52 AM
The buyer is here, baby. I'm just waiting for another huge quarter drop and a rotten xmas to pick a couple of oceanfront condos. I'm all cash since 2007 and sold at peak. Then I'll pick at the bones in emerging markets and Iceland.
- October 10, 2008 6:59 AM
Hrmm, I think it depends on the area. Here in San Diego, foreclosures (REOs) are experiencing bidding wars (as I've been involved in quite a few of them), most of them bidding upwards of 30K over asking price.
He who participates in bidding wars is a financial moron.
- October 10, 2008 7:00 AM
Susan all due respect
what has sold in the last 2 weeks ?
this crisis really started 2 weeks ago
I know you are promoting your business on here but to tell us that short sales and reo's are selling like hot cakes is like telling us that the DOW is at 15,000
so where is your proof ?
who has the money outside of banks ?
banks buying them up do not count as we the taxpayer are buying them out anyway through this new 700 billion dollar plan
- October 10, 2008 7:09 AM
Houses in better hoods of Phoenix metro area thaat are only 80% overvalued sell with a few hours to a few days. Houses that are 100+% overpriced don't sell at all or take months.
I've asked before: WHEN WILL PRICES IN ARIZONA COME DOWN TO PRE BUBBLE PRICES? I can't believe how low the prices are in parts of south Florida. What is going on here??????!!!!!!!!!!!!
- October 10, 2008 9:20 AM
I looked at Jumbo rate (what I'd need here in D.C. still!) and they were around 8-9% !!!
Ok, for that kinda rate the cost of homes is REALLY gonna have to drop- big time!
Or I'll just sit on the side & wait - sold at peak too :)
- October 10, 2008 10:41 AM
Ill buy houses for 20-25% of their peak price!
The market wouldn't be illiquid if the sellers lowered their price.
I know folks who are trying to sell houses for 30% of what they bought it for; why even list it?
- October 10, 2008 12:39 PM
Of course this doesn't apply if your house is "special".
- October 10, 2008 1:10 PM
The US Banks are under capitaized by -$50,000,000,000,000 because of the GOP Bush Regime and their network of robbers and criminals.
So, why are some people still voteing for McCain who remains in the same criminal Republican party?
Because God made many as*holes, stupid f*cks and idiots!!
I used to get mad when I saw a McCain lawn sign or bumper sticker. But now I just laugh!
- October 10, 2008 1:33 PM
Zillow shows prices ticking up this week. LOL!
- October 10, 2008 1:34 PM
Also, jumbo loan rates are way up. Wachovia is 8.125% and Wells Fargo is about 9.2%. Financing is harder to get and banks want bigger down payments (in cash, could you imagine...cash!!). If jumbo loans start at $417k, which still includes just about every house for sale today, who the heck is going to be able to buy?
Real fast: A house sold at
$500k and 10% down. A jumbo rate of 8.125% comes to about $3,340 per month, and that is ONLY the mortgage payment. A person earning $50k per year brings home about $4,170 per month. After income taxes this mortgage is already unaffordable.
I guess an expert in structured finance will be needed to figure out how this will work for the borrower.
- October 10, 2008 2:34 PM
- Miss Goldbug said...
Sellers are dreaming if they think they'll sell for anywhere near their asking prices. Evaluation on stock and houses are exactly the same. Both are way overvalued.
I suggest everyone take Zillow snapshots of neigborhoods they would like to eventually live in because you won't believe your eyes when the drop happens.
December will be soooo ugly.
- October 10, 2008 4:02 PM
- Miss Goldbug said...
Anon said:"The illegals will continue buying. No seriously, they've been had by their own compadres in the mortgage business and it will keep on going."
I dont think so. There is a sting operation going on right now across the country on illegals who are trying to purchase homes.
Deporting them when applying for mortgages.
- October 10, 2008 4:08 PM
Zillow shows prices ticking up this week. LOL!
I noticed this too!
- October 10, 2008 4:17 PM
I agree with your thoughts, Keefer.
All that we hear from the CNBC cheerleaders is that we just need to unclog the credit markets. This is supposed to make it easier for Joe Six-Pack if the credit markets lighten up. And, in a NORMAL credit market, that assumption would be true. BUT, there is a MAJOR problem with this assumption. This assumption is based on the idea that we're in a normal credit environment, that Joe Six-Pack has
Number 1 - Good credit
Number 2- Sufficient Cash
Number 3- Confidence.
Why would Joe Six-Pack want to buy a house where he loses money, beginning at the day of closing? That's assuming that he has the sufficient credit with a lot of cash.
BOTTOM LINE: If Joe Six-Pack has no confidence, then there will be no rescue for this financial system. Consumer spending is the key, and that's directly related to consumer confidence.
- October 10, 2008 4:21 PM
- Miss Goldbug said...
My question is how can people (especially in CA) who bought homes the last 10 years afford the property taxes now that their stock portfolios and retirement accounts are vaporizing before their eyes?
What kinds of investments will generate enough money to pay these property taxes of $4,000-15,000 a YEAR now that the markets are tanking?
- October 10, 2008 4:25 PM
- Cynthia said...
Expect to see a lot of ghost towns springing up in America.
The rich keep getting richer and the poor keep getting poorer.
- October 10, 2008 4:42 PM
Where the Hell do you think/
Credit frozen!
Market, 401, retirement tanking,
Home prices in a freefall!!!
I'm on the sidelines
No Frickin way I am Buying Anything Now!
- October 10, 2008 4:43 PM
Hey Guess What? Remember I have been using Croydon PA as a barometer of housing because the same 64 houses have been for sale without moving for the last 3 to 5 years? Well, it has finally happened.
The latest postage stamp rancher is being listed for only $115K and another house that was asking $209 is listing today for $187. It's dropping finally! Soon I expect under 100K.
- October 10, 2008 7:23 PM
same old/ same old in san deigo borrowerers nor realizing those houses not worth the down payments let alone the prices...........
- October 10, 2008 8:16 PM
yep... i figure it takes 1.3 milliom in the bank today to generate the money to pay the tax on a bum condo today...........10 mill in NYC
- October 10, 2008 8:26 PM
I'm a mortgage banker up here in "we're different" Seattle and we still have 0 down loan options...shit's crazy.
- October 10, 2008 9:36 PM
I left a comment not too long ago about the San Diego homes and I'm surprised that people who don't live in the area are refuting my experience in this local area. I'm not a realtor, NOPE, no way. My husband and I have been looking for a home for the past 12 months. We've made over 12 offers on homes this year alone and have been beaten out by other bidders. I'm just sharing my experience. After each lost bid, I've look up the sold price and see how much we were beat out. That simple. We finally got an offer accepted by a bank foreclosure last week, 38% off peak price, but still had to offer 20K over listing...with multiple offers on the table, and highest and best countered. This deal included, new carpet, paint, new appliances and trimming of all the palm trees. I'm just sharing my experience. I'm not pushing "business" on to any of you...I'm quite surprised that many still want to shout doom and gloom when I know plenty of friends and family (some in the real estate buying business) buying properties. I'm just sharing what I see locally..
- October 11, 2008 5:05 AM
Susan I hate to say this but you were beaten out by other banks and you were being used as a shill
Watch this week for 70% drops in the high end markets
and 90% drops in the low end markets
why ?
because the banks are about out of business
- October 11, 2008 8:53 PM


text:
Tapir - A Thrift-based rapid API framework
Tapir sets forth a way to declare an API framework that's protocol and transport agnostic. It provides for strict datatyping (via Thrift) and automatic documentation with easy deployment scenarios over HTTP, AMQP or some other transport of your choice. The core of the implementation is asynchronous but can be called in a synchronous environment so long as your method implementation doesn't use asynchronous logic.
Copyright (c) 2012 Eric Waters. All rights reserved. This program is free software; you can redistribute it and/or modify it under the same terms as Perl itself.
Eric Waters <firstname.lastname@example.com>

subset: commoncrawl


text:
The following is a guest blog post by Michael Sherling, MD, in response to the question I posed in my "State of the Meaningful Use" call to action.
If MU were gone (ie. no more EHR incentive money or penalties), which parts of MU would you remove from your EHR immediately and which parts would you keep?
Michael Sherling, MD, MBA
Chief Medical Officer and Co-Founder, Modernizing Medicine
What a great question! As both the co-founder of Modernizing Medicine, and a practicing dermatologist that uses EMA, I can appreciate the amount of time and effort it goes into developing MU feature sets, as well as inputting the data in to be a "meaningful user."
The Top 3 Measures I would remove
- Clinical Summaries Provided to Patient
- Vital Signs
- Clinical Quality Measures
I understand the intent for patients to receive clinical summaries of each visit- but this places an incredible burden on the end user (physicians and office staff) to make sure that each patient has access to their clinical summaries. For instance, even though we live in the digital age, several of my older patients don't own a computer or have access to one. Additionally, these summaries lead to more questions by the patients after the visit has been concluded often times regarding details of the summary that are relatively innocuous.
I have a serious beef with government mandating of Vital Signs. Health care providers know when it is medically necessary to take vital signs and when it is not. Those who never take vital signs, because it is unrelated to their scope of practice can claim exceptions, but those who take a few are often stuck between their medical responsibilities and getting an incentive. In the end, these dermatologists and ophthalmologists wind up taking more blood pressures or measuring the height and weight of their patients unnecessarily to achieve the incentive. This paradoxically is medically meaningless since dermatologists don't treat blood pressure, and ophthalmologists don't often dose weight-based drugs (they like eye drops).
Clinical Quality Measures needs to be renamed to Cost Effective Measures. Clearly, the goal of CQM is to change physician behavior so that physician decisions are more cost effective. This is needed in our health care system. What today is an incentive based on pay for reporting, will be transformed to pay for performance tomorrow. My concern as a physician is how do we know these are the right questions to ask? If physicians comply with these CQM guidelines, will that result in not just lower costs, but more effective care? I'd much rather see benchmarking around actual patient clinical outcomes themselves, using tools like static global assessments of disease rather than a questionnaire about whether or not I followed a recipe for how a committee thinks I should treat every patient with condition Y.
The Top 5 Measures I would Keep
- Electronic Prescribing
- Medication List
- Allergy List
- Drug-Drug, Drug-Allergy Interaction Checks
- Patient Search
All of these measures are critical to patient care and have obvious benefits. With electronic prescribing, prescription orders are standardized and LEGIBLE! No need for the pharmacist to discern my own poor doctor handwriting anymore. Keeping the medication and allergy lists updated and the drug-drug and drug-allergy checks enabled makes for great patient care. No physician wants to prescribe a medication that interacts with another in a negative way, nor do we want to prescribe a medication that could potentially cross-react with a known allergy. Finally, patient search is a really cool feature that allows all of us to search for patients with specific diseases and medications. This is an important first step in getting records to behave more like research databases for clinical studies and less like word-processors for just note taking.


text:
This is a follow up to this closed question.
I open a random page, such as something on arXiv at 8:05 p.m. EST, and I see all these dollar signs, and I sigh and I wish that I could see nicely formatted math formulas instead, just like on MO. Is it possible? Can one write a Greasemonkey script to apply jsMath after the fact even if the page authors did not think of it? A Mozilla Firefox addon?
Please share your solutions. Seeing like this is an active community of people with similar interests, I am sure that hundreds or thousands of mathematicians would benefit from a solution.


text:
General Tips to avoid Phishing
Never follow a link within an email if you are really not sure, or even a little suspicious. A lack of any personalised greeting or your unique account numbers would indicate the real sender doesn't actually know you, hence why you should not trust them. If the email contains information that only you and they would know, then you could trust it.
Some that are not scams
Not all emails that look like phishing emails are scams, eg SRSPlus or OpenSRS asking you to check your contact details on the domain whois, is legit (they are our upstream international domain providers).. But just in case someone fakes this, you are only viewing the info, don't login or submit any information
Paypal - HostGator
Do not following any links regarding this. Any email from paypal or other financial provider should have been sent to your registered email address, and they would also provide a personal greeting and your username, account ID, or other information that indicates they know you already. Phishing scams always fail to use any details in their email that are relevant only to you.
Trademarks and Domains (mainly from Asia)
Any email discussing domain names and intellectual trade marks, not originating from a lawyer in your own country should be ignored as spam.
Bank Refunds - aka Nigerian Bank Scam
Never refund an "overpayment" from an international inwards transfer. You need to wait up to 30 days for these types of payments to clear from untrusted 3rd parties. If you do refund any money, and discover you have been defrauded, make sure you contact your bank asap.
Reciprical Link Request
Do not accept reciprical link requests from anyone except businesses you know and trust. Approaches from strangers and international organisations should be treated as spam.
Fees for website directories claiming huge hits
If you have not heard of the business directory before, and you do not use it yourself, then don't pay for it. Yellow Pages, Finda, Megamart, Bigcity, HamiltonInfo, Google, MSN, Yahoo and NZS.com are the only you might consider paying for. Do not trust their claims of outlandish stat histories. Check your own stats within our CMS for their incoming links, if no links, you know they are lying.
Domain Renewal Notices / Trademark Infringements
It's common to receive emails or letters that look like invoices for domain renewals/registrations from disreputable third parties. It is a scam, please ignore.


text:
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Ontario, For more detail click Commercial Real Estate Lawyers
For any Enquiry email Handa Law at : firstname.lastname@example.com


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It has been seven months since I joined The World Bank as a Lead Education Specialist coordinating their work on tertiary education. During this short period, I have met with people from across the globe, read a variety of reports, and participated in technical review meetings and missions with government officials and institutional leaders. In summary, I have been learning as fast as I can, about how this fascinating but complex organization operates, and about its unique contribution (not exempt from controversy) to development in the world.
These past few months have taken me across the world, from Latin America, to the Middle East, Africa, South East Asia, and Europe, on a journey that has provided me the unique and privileged opportunity to reflect on the challenges and opportunities that tertiary education is facing in the world. It is precisely such reasoning that led us, at the World Bank to organize a year-long lecture and panel series entitled "Tertiary Education at a Crossroads" during which we hope to engage in collective reflection on issues and trends in tertiary education, and confront them with an ambitious agenda towards eliminating extreme poverty in the world, by enabling shared prosperity in a sustainable planet.
The first of these sessions was held recently. A diverse group of educators from more than 25 countries analyzed one of the many puzzling challenges that we face in today's world: the linkages between tertiary education and employability. This topic is particularly important considering that even though there should be a relatively seamless pathway between tertiary education and employability, this route is often ridden with a plethora of potholes.
Recent evidence suggests that a large number of graduates of tertiary education in different parts of the world will not able to find adequate jobs –or jobs at all. This is both disturbing and concerning but it is also just one of the many issues that merit reflection and attention. The same applies to areas such as quality assurance, financing, equity in access and retention, institutional governance, internationalization, institutional diversification, tensions between research and teaching, etc.
Of course, building a list of challenges in tertiary education is a relatively easy task, despite the fact that each local, national and regional context is quite unique. But, I find that it is also easy to identify interesting commonalties around the world.
I see that there is not much difference between students in Mexico, India, Saudi Arabia, Russia, the U.S., Armenia, or Botswana. They are all anxious and disappointed with what they see around them. At the same time, I see them excited about a future in which they can make a difference.
On the other hand, policymakers have their own concerns, which are often quite similar, regardless of which country they live in. In either Colombia, England, or Uganda there is a shared concern about resistance to change in institutions, and competing demands for limited resources.
Employers are in a similar position, be it in Italy, Tanzania, or Chile with frustrations about the existing gap between the skills required for jobs and what they perceive as the limited capacity of tertiary education institutions to rapidly respond to their needs. But many times, employers themselves have an equally limited capacity to coherently and consistently tell the tertiary education sector about their anticipated needs for the future.
Faculty members from Malaysia, Jamaica, and South Africa share concerns about ill-prepared and uninterested students and the limited attention they receive from institutional administrators.
Institutional leaders from Tunisia, Canada, Vietnam, Panama or Spain recognize their limited capacity to foster change inside their institutions, and see increased and sometimes conflicting demands for action.
It almost seems like, in today's times "misery loves company."
No question that challenges are significant and daunting. However, I am an incorrigible optimist. I see positive commonalities, especially in the case of the students. Regardless of their location, they share an exciting curiosity and appetite for new knowledge, skills and opportunities. In Gujarat, India a student from Pandeet Dindayal Petroleum University told me "It is about the opportunity to have a better life," when I asked him about the value of higher education. "And, it is about enabling those around you to improve their chance at a better life." Students recognize that today's world is much more diverse, and that such diversity is seen as an asset rather than a liability. "It is about being able to develop someone's full potential," a female student from Effat University in Jeddah, Saudi Arabia, responded when asked the same question. "Higher education allows me to open my eyes to the world while strengthening my values and identity."
They express hope for changing the world that they will inherit. "It is about questioning the world in which we live today, and coming up with innovative solutions," a student from my Alma Mater, the Autonomous University of San Luis Potosi in Mexico said to me. "We can make a better world!"
And I agree that all of us can make a better world, and there is no question that tertiary education has an important role to play in making this possible. First of all, tertiary education is a key factor to foster the economic and social mobility of a country. The good news is that now, across the world, more students than ever benefit from being enrolled in some type of tertiary education institution. Today, there are around 200 million tertiary education students worldwide, in comparison with only 89 million in 1998. An increase of 124 % in only 15 years!
Also, despite setbacks associated with the recent financial crisis, the economic returns to education for graduates of tertiary education institutions are quite high, as it is indicated on a recent study conducted by the World Bank. Even countries that suffer with the twin burden of a greater fiscal crises and a less diversified tertiary education system show promise as their unemployment rates for tertiary education graduates, in general, tend to be lower. All of the above requires renewed attention into ways in which tertiary education institutions can become more effective and better connect with the current and anticipated needs of the economy and society. The same applies to tertiary education and employment policies, especially at regional and national levels. As Tony Carnevale, director of Georgetown University's Center for Workforce Development expressed during our recent "Tertiary Education at a Crossroads" meeting, "more and more policy is focusing on the relationship between higher education institutions and the preparation of the workforce."
Let me end by reminding us that we live in exciting albeit challenging times, and tertiary education should and can adapt faster and more efficiently to better serve economic and societal needs. It is not an easy task but it is a feasible task. As Paul Valéry said: "the trouble with our times is that the future is not what it used to be."
Join the Conversation
México necesita activarse .
As Rhode Island Governor, Lincoln D. Chafee remarked on Monday at the tour's opening session: "Rhode Islanders deserve a public education system that challenges our students in the right way — with inspiring teachers, clean and safe classrooms, and the chance to succeed in careers and in life."
Yes I agreed whatever Mr.Governor suggested to the Session.
I understand the need to deal with higher education. But there is a narrowing of the K-20 pipeline as students fail to even reach higher education. As you know in the United States, outstanding student debt exceeds consumer credit card debt. In Europe, students with a degree from colleges are having difficulty obtaining work. In the developing countries, univeristy level education is out of the reach of many.
We need to improve the system so that more students, globally, complete K-12 education.
Franklin Schargel
Former Education Division Chair, American Society for Quality (ASQ)
Schargel Consulting Group
Dear Franklin:
I agree with the concerns expressed regarding K-12 education, and great efforts should be done to improve it and to expand it. However, since more than ever students are completing K-12 education in the world, at the same time efforts should be done to address their educational needs.
Most interesting, Francisco. I am sorry that I missed that initial webcast.
The links between higher education and employment are critical. Even in the U.S., where we think we have a sophisticated system, these links are not always seamless and dynamic.
Too, we need to be concerned with articulation at the earlier stages of the pipeline: the links between higher education and K-12. Increasingly, we hear stories about the underpreparedness of students, especially in writing skills. Since much of that nearlhy 200% increasing in postsecondary enrollment must come from the developing world, those linkages, and the issue of under preparedness, must be especially serious. I know that you will be addressing this in future blogs/webcasts.
Salud, Dick
Thanks for your comments. While paying attention to K-12, more efficient articulation mechanisms would greatly contribute to increase access and graduation rates in all components of the tertiary education system.
By the way, the webcast of the first panel held as part of the "Tertiary Education at a Crossroads" series can be watched at http://web.worldbank.org/WBSITE/EXTERNAL/TOPICS/EXTEDUCATION/0,,content…
Best regards,
Brilliant post! I'm grateful we have people like you at the forefront of advanced education policy. This is a great read, it's very thoughtful, and it is reflective of a deep commitment to one of the strategically important issues of our time. Education is truly one of our most precious global resources.
Lovely piece of writing, at the same time for new graduates the dilemma of getting a job is when many employers only look for staffs with "experience" . When are they going to receive the experience when employers do not want to give that experience to them. Finally, they will just have to accept lower paying job just to get the "experience" that they need. Even those graduates with 1st Class Honors Degree faced the same dilemma.
Dear Myrna:
This confirms the need for more blended programs in which a combination of theory and practice is meaningfully connected and for which students receive proper academic credit. Fortunately, there are very good examples at the institutional level in a variety of countries. Of course, it is not as simple as it looks since there are many aspects to be taken in consideration in order for such approaches being really useful.
Thanks for bringing the Higher Education scenario in the global fold. Yes there are differences but the common concerns of demand for higher education are seen all over. How each country faces this challenge of the aspirations of the global youth is what the World Bank can articulate in the new blob. I am glad you have not focussed only on the aspect of student mobility, but related higher education to the needs of different societies. Look forward to reading and contributing to this new forum. Good work and good luck.
A very interesting overview of the issue at a global perspective. Even as a university with strong linkage with the industry, we still find 'gaps' between our graduates employability traits and industry's requirements. Though we have regular engagement with industry and would channel industry's inputs towards enhancing our curriculum we are still grappling to meet the expectation of industry.
What we have done is to engage the industry in our academic process from the beginning stage of curriculum development to curriculum delivery and assessment. We also have the industry involved as expert panels for curriculum design and to ensure quality assurance of our courses. This has very much contributed to the high employability rate we now have. However, I believe there's much more room for improvement in enhancing graduates' employability to meet market demands.
Dear Mohamed:
Thanks for sharing your perspective and your specific experience. I wonder if you have considered adding more "tracer" studies aiming at have a better sense of the perspectives provided by the graduates of higher education institutions once they are in the labor market.
Francisco Marmolejo
We are planning 3 issues of On the Horizon (see home page) an international academic journal, on the future of tertiary education. The Future of the Academic Journal, The Future of the University and the Idea of Liberal Studies (2014-1, in preparation).
I agree with your comments regarding the increase in the number of students completing K-12, however... Whenever a child fails to complete K-12 education data indicate that they are more likely to go to jail, commit crimes,use an inordinate amount of social services, marry someone who has failed to complete their education, have children who fail to complete school, etc. In other words, complete a cycle of poverty and ignorance. A student who fails to complete their primary education becomes a drain on their society.In the United States, we talk about the school to prison pipeline. As society becomes more dependent on the developing world, the completion of primary education needs to have a spotlight shown on it.
I agree there is a definite increase in awareness of the need to consider the linkage between obtaining a degree and the employability of graduates. This linkage is easier to realize where there are student affairs personnel on campuses whose job it is to develop employer relationships and mediate that space between the student and employer while they are in college - and to some degree - afterwards. Career service offices do not exist in most developing nations. However, as my recent workshops with all university deans in Zimbabwe demonstrated, the interest in providing more effective career development support for students does exist.
Thanks for your comment. In addition to Career Services, more work needs to be done in having consistent tracer studies showing more evidence of the performance of graduates.
Great to see such a lucid account of tertiary education challenges from around the globe, Francisco. The different perspectives on the issue of graduate employability (or even more importantly perhaps, youth unemployment and employment?) are illuminating. Could we add to the World Bank's agenda on this topic an opportunity to tackle the relationships and divisions between 'vocational' and 'academic' forms of tertiary education? I look forward to more of your blogs.
Robin: Thanks for suggesting the topic of articulation between "vocational" and "academic" forms of tertiary education. It is a critical topic if we are serious in widening access to tertiary education with relevance. Unfortunately, in many countries there are significant obstacles for such articulation.
hola francisco,
The issues are many, as you note, which makes it very difficult to develop an international policy within an organization such as the WB and to develop a serious exchange in "Tweet" sized posts in an asynchronous exchange space. I am currently working in East Africa, work in Central and S. America and have consulted in S.E. Asia. I also edit a journal which focuses on educational futures, http://www.emeraldinsight.com/oth.htm. As you know, there are many development agencies, including OECD and NGO's as well as country based "aid agencies" actively working on this issue. And there are a number of creative programs in the developing countries. Unfortunately, the number of such organizations are many and the number of innovative approaches can probably be counted on one set of fingers. It is unfortunate that the number of qualified post secondary degree holders who have merchantable skills in developing countries are currently unemployed. So, "more of the same and better does not create work but creates unrest in the educated youth. The current direction is not sustainable, no matter what the quality is. It will take imagination in a sector which lacks that entrepreneurial spirit and mired in bureaucracy while claiming to promote entrepreneurial paths. Tom Tom Abeles
Thank you for this very relevant contribution to the role of higher education. The dialogue between higher education institutions and future employers of their graduates is vital and higher education institutions need to leave their comfort zone and show more willingness to adapt. Adapting does not mean selling out. However, it is equally important to remember that education also is about shaping the global citizens of tomorrow so the generic competences must still remain on the curricula in some integrated way. Higher education institutions have usually more autonomy than they want to acknowledge when it comes to their possibilites/opportunities to change but it requires leadership and that is today one of the weakest points of higher education. It is lacking decisive leadership.
Felicitaciones Francisco por el Blog. Es una oportunidad de democratizar temas de relevancia global y lo más valioso por cierto serán las reflexiones producto del conjunto. Considero que los temas que mencionas como cruciales para la educación terciaria hoy, están todos ellos entrelazados o se trastocan de alguna manera: el aseguramiento de la calidad, el financiamiento, la equidad en el acceso a la educación superior, la retención/deserción, la gobernanza institucional, la internacionalización, la diversificación institucional, las tensiones entre docencia e investigación y la empleabilidad. Por supuesto que hay instituciones en el mundo para las cuales estos temas no son un problema. Pero ahora nos referimos para aquellas que sí lo son. Un avance importante es el hecho de que espacios como este permiten compartir ideas sobre buenas prácticas. El paso siguiente es que los individuos y las instituciones logren influir en el desarrollo de políticas que favorezcan el desarrollo de una confianza mutua entre las Universidades y el sector empresarial, tal como ocurre en países que tienen resueltos los temas que aquí nos ocupan. Cuando las Universidades, los empresarios y los gobiernos coincidan en un escenario deseable para el cual todos están comprometidos, posiblemente hayamos encontrado un rumbo distinto al que hoy le estamos dando a la Educación Terciaria.
Felicitaciones Francisco por el Blog. Es una oportunidad de democratizar temas de relevancia global y lo más valioso por cierto serán las reflexiones producto del conjunto. Considero que los temas que mencionas como cruciales para la educación terciaria hoy, están todos ellos entrelazados o se trastocan de alguna manera: el aseguramiento de la calidad, el financiamiento, la equidad en el acceso a la educación superior, la retención/deserción, la gobernanza institucional, la internacionalización, la diversificación institucional, las tensiones entre docencia e investigación y la empleabilidad. Por supuesto que hay instituciones en el mundo para las cuales estos temas no son un problema. Pero ahora nos referimos para aquellas que sí lo son. Un avance importante es el hecho de que espacios como este permiten compartir ideas sobre buenas prácticas. El paso siguiente es que los individuos y las instituciones logren influir en el desarrollo de políticas que favorezcan el desarrollo de una confianza mutua entre las Universidades y el sector empresarial, tal como ocurre en países que tienen resueltos los temas que aquí nos ocupan. Cuando las Universidades, los empresarios y los gobiernos coincidan en un escenario deseable para el cual todos están comprometidos, posiblemente hayamos encontrado un rumbo distinto al que hoy le estamos dando a la Educación Terciaria.
The global commonalities in all aspects of the education and employment pipeline are clearly evident in the article. Without doubt, a major challenge for all of us will be ensuring that access to education at all levels is a fundamental right for all people. Education must be a basic human right, or else we cannot expect to create a better, most just, peaceful world. Your pulling evidence from your travels that the concerns and fears, as well as aspirations, of students are the same everywhere reminds those of us in the U.S. (and similarly situated other countries) that we do not have a lock on either aspiration or achievement of students. If anything, your article shows how much we all need to work together to create the educational outcomes we desire. Thanks for a great, thoughtful article.
The big questions I think are: Should universities prepare students for jobs and are academics in touch with the future? In South Africa like many other parts of the world, students struggle to get to university. The education system has a throughput rate that is very low and much fewer students have university entrance passes. Of the few that get to university, many struggle to find jobs. I have no doubt that our government is making every attempt to help students. The tertiary education crisis is of course an international issue and my view is that we need to have this debate in each country. There is much for us to do regarding the development of students, universities and the job market. We are certainly living in different times. Thanks for this very interesting blog
The situation is more critical in developing countries like India, where funding of higher education is a big task for students. Also govt. supports are not reaching to the needy one. The complete system is corrupt. Privatisation has also not been helpful and the economic condition is deteriorating which has been a major concern for the graduates.
Comment received from Prof. Larry Leslie:
One could summarize your essay by emphasizing that conceptually there there are two goals of higher education: investment and consumption. The former gets most of the attention these days; however, the latter is at least as important and is worthy of more emphasis under present conditions. You summarize what is happening in both dimensions and give encouragement to the idea that there is more to attending post-secondary institutions than financial gain. Well done.
Larry L. Leslie
Professor Emeritus, University of Arizona, USA
Distinguished Visiting Professor and Senior Research Associate, University of Georgia, USA
Great summary, Francisco. Congratulations! These are indeed some of the most salient issues facing higher education today. Now we need to look at the future with the conviction that we can influence that future through innovation and reform of our HE systems.
Alvaro Romo
Secretary General-elect, IAUP
I'd like to encourage people to consider the work of Professor Reuven Feuerstein who was nominated for the Nobel Peace Prize a year or so ago; his theory and associated programs have enormous implications for poverty, investment & consumption as we move into the 21st century - someone I have read recently describes him as 'a 'bold thinker, able to trace out a new meaning for the word "learning."'
Although it is true that higher education and employment is a common problem across countries, we must remember that appropriate responses are necessarily mostly national and local. We can begin by acknowledging that colleges, universities and schooling systems vary significantly in their structure, resources, and scale. One significant issue facing all systems is the extent of differentiation between sectors and institutions. In the era of mass higher education, an institution's capacity to differentiate itself becomes a major strategic issue especially in the area of employment. As long as the conversation focuses on treating the university as some kind of uniform institution that easily crosses borders, we are really missing the right target. With the possible exception of the most prestigious and recognized research universities, the mass of mainstream higher education institutions should arguably be focused on teaching, experiential learning, professional and vocational preparation for national and local communities. This will only happen with some degree of differentiation and incentives for high quality instruction.
The problem with countries like India is that they haven't updated their tertiary education curriculum since the 70s. Times have changed and we need our education to reflect these changes! Only then will students be job-ready.
The global importance of considering labor market needs and employment opportunities was nicely put forward in this post. We absolutely must look at these when considering new degree programs and initiatives, ensuring we provide students not only with an education in current faculty research interests, but also a valid road map for employment. Lifelong learning is an important skill learned in the tertiary education environment, but education for employment fundamental to life is essential. @SonjaSteinbrech #college
There are some who argue that the post secondary market, as constructed, will increase the fiscal divide, particularly in a world where knowledge and skills are becoming fungible and movable across geo/political boundaries. In the "west", prior to the end of the 18th century, post secondary education was designed to move a select population into "society" and those who studied the skills arena were considered "pedants" to go into teaching and other job related occupations. Post 18th century, emphasis on the need for marketable skills, initially agriculture and engineering, inverted the priorities. Yet, all realized that there were select institutions which offered advantages beyond the practical. Given the ability to move knowledge industries across borders make these latter institution even more important and increasingly accessible to a selective population which creates access to wealth opportunities while skill based education, as we see, internationally, less of a guarantee.
The problems of higher education are manifold: accessibility, affordability, content delivery and the like. Too much emphasis on employability is converting the education system into a factory producing robots and not enlighterned citizens. Leaving the field of higher education to the private sector investment is worsening the situations. Liberal education is beeing neglected. Cost of education is rising so also the burden of educcation loans in India too. Social strife is bound to be the end result.
Good summary report! However I do not think the World Bank group need take the responsibility of the development of tertiary education. This portion should be the responsibility of state government via government budget or private investment. WB need pay more attention on the loan to support basic education, especially those who need ICT equipment investment. Budget application for education needs for remote areas and equal industrial and scientific teaching materials online are crucial for equal rights for education. Nowadays, I will add educational online materials for sustainable development, life style, green energy and infrastructure as basic needs for each country.
In India, I can see the cause of this issue is population growth. Because of this, the pressure cascades to the next / new generation for which they are forced to choose engineering or some educational stream which they neither interested nor fit for that. Very poor teaching staff also add more salt to the wounds. The result is half cooked graduates comes out of the high schools and this high competitive society is unable to place them. So, We need to address the core of issue...
The problem with the country like India is actually, the curricullam haven't been changed from the part 50 years, we have been reading the same thing which was discovered in my grandfather ages. Things are changed and along with it the syllabus must be changed.


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After a year's absence, Real Salt Lake will return to the CONCACAF Champions League next summer thanks to the LA Galaxy's 2-1 win (3-1 aggregate) over the New York Red Bulls on Thursday night.
With LA already earning a spot in the 2012-13 edition of the tournament thanks to their 2011 Supporters' Shield, that opened a side door to qualification for RSL.
If the Claret-and-Cobalt win in Sunday's Western Conference Championship, they advance to the CCL as an MLS Cup finalist. But even if they lose, they are guaranteed a berth thanks to a duplicate spot going to the next-highest finisher in regular-season league play that has not already clinched a spot.
Seattle would have claimed that berth by virtue of their second-place finish in the Shield race, but are already qualified thanks to their third straight US Open Cup title. That means the slot drops to RSL, the regular season's third-place finisher.
Sunday's Western final will take place at the Home Depot Center in Carson, Calif., at 9 pm ET (ESPN, ESPN Deportes, ESPN3.com, TSN2).
This marks the second time in three seasons that RSL have earned one of the four spots allotted to US clubs in the Champions League. In the 2010-11 version, they advanced courtesy of their 2009 MLS Cup title, and made it all the way to the CCL finals before being upended by Monterrey.


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By Phil Ray (firstname.lastname@example.com) , The Altoona Mirror
December 7, 2012
HOLLIDAYSBURG – Another former Blair County resident who is serving life without parole for a murder committed when he was young has asked for a review of his case and a possible new sentence that would permit him to eventually be freed from prison.
Lee I. Green, who was convicted for a 1978 murder, has spent the past 34 years behind bars. This week he sent a one-page letter to Blair County President Judge Jolene G. Kopriva, stating he wants to "have my case reviewed for a reduction of sentence."
Kopriva assigned the case to attorney Timothy Burns, who is handling many of Blair County's criminal appeals.
Burns said Thursday he has not yet received notification of the appointment, but he said the Green case would be among several in which individuals convicted of murder many years ago and who received life without parole are now asking for a court review.
The U.S. Supreme Court, in a ruling last summer, declared that life without parole for juveniles – individuals under 18 years of age – was on its face cruel and unusual punishment because of the immaturity of young people who may have given little thought to the consequences of their acts.
The 5-4 decision in an Alabama case written by Justice Elena Kagan did not rule out life without parole but said the states "must provide some meaningful opportunity to obtain release based on demonstrated maturity and rehabilitation."
While the Supreme Court focused on life without parole sentences imposed on juveniles, it raised the question of whether individuals in their 20s were mature enough to understand the consequences of killing someone.
Burns and Kopriva said on Thursday that Blair County is waiting for the Pennsylvania Supreme Court to provide guidance as to how the decision will apply in the state. For instance, the Kagan opinion did not specifically say that the decision was retroactive and therefore applicable to long-settled cases like Green's.
Pennsylvania's highest court is attempting to address that issue now.
Green, who will be 58 years old next month, was arrested in 1978 for the murder of Gerald Westbrook, 23, during an argument over drugs in an Eighth Avenue Apartment. Green was upset because he believed his friends stole money and drugs from him.
The case was prosecuted by now-Senior Judge Thomas G. Peoples Jr., who told the jury that Green's world centered on guns and narcotics.
The defense was provided by the late John Woodcock, who was the county's public defender. He contended Green was under the influence of drugs when the shooting occurred.
Others who have filed petitions to have their murder convictions reviewed include: Kristen Edmundson and Marie Seilhamer, convicted of killing a 20-year-old Hollidaysburg woman; Christopher M. Yon, who smothered an elderly woman with a pillow during a robbery; James Franklin Rodgers, who stabbed to death an elderly man during a robbery; and Leonard Bocchicchio, who used a bowling ball to kill the owner of a local business.
Mirror Staff Writer Phil Ray is at 946-7468.
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Today is the Feast of Our Lady of Lourdes. I have been to Lourdes on several occasions, largely drawn by the personality of St Bernadette herself. Being chosen by Our Lady as her messenger did not make Bernadette holy; it was how she lived her life afterwards, especially during the 13 years she spent at the convent in Nevers: often in pain, unable to take part in the regular life of the community because of her ill-health, lonely, isolated and constantly belittled by the mistress of novices, she nevertheless bore her crosses with exemplary patience.
St Bernadette has been on my mind ever since I got sent a YouTube film recently, advertising Medjugorje. J Edgar Hoover once said that the only certainties in life were death and taxes. I would add a third: controversy over Medjugorje. It seems that Catholics today are divided into two camps: you are either "for" Medjugorje or "against". This, needless to say, has led to much unseemly in-fighting within the Church.
What annoyed me about the YouTube presentation (apart from the muzak and the hushed and reverential voice of the narrator) was its blatant way of referring to the alleged apparition as "Our Lady", as if this were a foregone conclusion. It isn't. I was further nettled by statements seeming to show that the late pope, John Paul II, as well as Mother Teresa, both "believed" in it, as if to demonstrate that the apparitions must be true, simply because of the witness of these two holy heavyweights.
I am not an expert on the subject of these alleged apparitions. But I have read enough of St John of the Cross to know what he means by "spiritual gluttony" in my encounters over the years with adherents of the place. One lady told me excitedly of her rosary turning to gold; another had been overwhelmed by watching the sun dance; a third became very angry very quickly when I expressed a little caution in my response to her assertion that Medjugorje only brought forth good fruits.
My own instinct is to think that Our Lady has not appeared thousands of times to the supposed seers, or given them dozens of different "secrets". Nor do the seers themselves live lives like St Bernadette. Of course, you don't have to be a saint to see Our Lady, as I said above; but there seems to be nothing humble, holy or hidden about the later lives of the Medjugorje "seers".
Actually, what I think as a private person, or what the late pope wrote in a private letter to two friends who had sent him literature about Medjugorje, or indeed what the saintly Mother Teresa is said to have said, is neither here nor there; it is what the Church thinks that matters. What the Church thinks about alleged apparitions is left to the local Ordinary to investigate and pronounce.
Four years after the Lourdes apparitions of 1858, and after a lengthy investigation, the local bishop pronounced them authentic. In the case of Medjugorje, both Bishop Zanic of Mostar and his successor, Bishop Peric, fully investigated the phenomenon and decided that nothing supernatural was taking place. So why are bandwagons of pilgrims still going there? The answer probably lies in Understanding Medjugorje: Heavenly Visions or Religious Illusion by Donal Foley, available from Theotokos Books. Foley has his vociferous detractors, naturally enough, but he has done his homework and reading his book reinforced my own sceptical instincts. In particular, the scandalous behaviour he describes of some of the Franciscans closely associated with the place, seems shocking: Fr Slavko Barbaric, who died in 2000 and who I was told by one of the faithful at the time "has been taken by Our Lady straight to heaven", had actually had his faculties for hearing confession withdrawn by Bishop Peric several months before his death; Fr Zovko, who was refused permission to celebrate Mass in Washington in 2002, had had his faculties also revoked; worst of all, Fr Tomislav Vlasic, deeply involved in the early years of Medjugorje, was laicised and dismissed from the Franciscan order very recently, in July 2009, for various misdemeanours including some against the Sixth Commandment.
Bishop Peric has spoken of other problems, apart from disobedient Franciscans: religious communities established without diocesan permission and ecclesiastical buildings erected without approval. What is going on? A sound Canadian priest once said to me, when I asked him about the "good fruits" of Medjugorje: "The Devil doesn't mind a few thousand people becoming better Catholics after going there if, as a result, he's got millions of Catholics being disobedient to the authority of the Church."
Obedience is the issue. It's what the Devil (you can't get away from him – and my thanks to "paulpriest", who pointed out at length to me after my last blog how very busy Old Nick is behind the scenes today) hates like poison. You can imagine Screwtape rubbing his hands with glee. St Bernadette was once asked what she feared most; her reply was: "Bad Catholics".
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At the ESPN portion of the TCA Press Tour, Arnold Schwarzenegger was there to talk about the first installment of the 30 for 30 Shorts documentary series, premiering online. Focusing on his teenage years in the Austrian Army, the short shows how the young Austrian farm boy's mandatory military service played a critical role in his journey to international fame.
Before the panel ended, talk naturally turned to his acting career, and Schwarzenegger commented on why it's taken so long for him to team up with Sylvester Stallone, how he originally got involved with The Expendables, what it took to work the first film and its sequel into his very busy schedule, how The Expendables 2 looks like it will be a big enough hit to do a third film, and teaming up with Stallone again for The Tomb, an action thriller due out in 2013. Check out what he had to say after the jump.
Question: Fans have been wanting you to team up with Sylvester Stallone for decades and now you've done three movies with him, with Expendables, Expendables 2 and The Tomb. What made now the right time to finally team up?
ARNOLD SCHWARZENEGGER: We're in love with each other. What's really weird about it is that, for 20 years, we have been trying to do that and people have looked for scripts, but there was always something off. The script was not right or the studio was not as interested in it as we were, or he was in the middle of shooting or having a commitment for three other movies. So, it just didn't happen. And then, one day, I was sitting at my hairdresser and Sly [Stallone] came up to me and said, "Oh, man, it would be so great, if you could just do a little something in my Expendables movie." I said, "The only way I can do anything for you is if I do it on the weekend, and not take away my work for the people. They would get very upset, if they knew I was shooting on Thursday and Friday for The Expendables and not doing the people's work." So he said, "We can arrange that. Let me call your agent." I said, "You don't have to call my agent. I make the decisions. I'm in. We have to be able to do it on Saturday, for a few hours. Whatever you can write up, I'm in." He said, "Well, I just want to talk about the fee." I said, "You don't have to pay me. I'm in! I'll do it for you." That's what somewhat broke the ice.
And then, after the movie came out and he directed the scene that I did, and people laughed and liked the scene, he asked me, "Can you be a part of the second one, but instead of four hours, can you do four days?," and I said yes. I said, "Maybe next time, I'll be there for four weeks, if this movie does well." I'll work my way up to four months, which is the amount of time he usually spends on one of those movies.
And then, he had The Tomb, which we did together. Again, he told Mark Canton, the producer, "I don't want to do the movie without having Arnold as the partner." So, Mark Canton came to me, but I had another commitment, at that point. I had to undo another commitment. I read the script and it was a really terrific script, so I said, "Okay, I'll do this." That's how it happened. I don't know if there will be another movie that we do together, or if there will be 10 more. We have no plan. But, the way it looks right now, with the test scores the way that they are, The Expendables 2 is going to be a big hit. It's going to most likely be a bigger hit than the last one. And then, he will probably come back and ask me again to be in the next movie.


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GLOBAL MARKETS-Apple shares reach 2014 highs, Asian stocks lag
Shares in tech heavyweights Apple and Facebook held hefty after-hours gains on Thursday as their results handily outpaced Wall Street expectations, though Asian markets managed only a mumbled cheer on the news.
South Korea's Samsung Electronics did gain 0.6 percent but the main KOSPI index dipped a fraction. Markets were mixed across the region with Japan's Nikkei off 0.6 percent but Singapore up 0.5 percent.
MSCI's broadest index of Asia-Pacific shares outside Japan edged ahead by 0.1 percent.
The outlook for the US market was brighter, however, with Nasdaq futures up 1.1 percent and the S&P 500 E-mini adding 0.3 percent.
Those gains came after Apple decided to buy back $30 billion of its shares through the end of 2015 and authorised a seven-for-one stock split.
Its shares jumped almost 8 percent to $566.50 in after-hours trade, the highest since December and adding roughly $35 billion to its market worth.
Apple reported sales of 43.7 million iPhones in the quarter ended March, far outpacing forecasts. That drove a 4.6 percent rise in revenue to $45.6 billion, a record for any non-holiday quarter.
The iPhone maker's strong performance did not translate into Asia as much as it usually does, with mixed trading seen among big tech players in Japan, South Korea and Taiwan.
Facebook Inc shares also boasted a 3.7 percent jump after hours as the Internet social networking company topped Wall Street's financial targets.
The Nasdaq had ended Wednesday 0.83 percent lower, while the Dow eased 0.08 percent and the S&P 500 lost 0.22 percent.
The main mover in currencies was the New Zealand dollar, which hopped higher after the country's central bank raised interest rates by a quarter point to 3 percent and signalled there was more tightening to come.
The kiwi dollar gained around a third of a cent to $0.8623 in the wake of the news.
Yet that was the only excitement in a market that has been trading within frustratingly tight ranges recently. The US dollar had barely budged on the yen at 102.45, having yo-yoed in a 101.50 to 104.50 yen band for almost three months now.
Likewise, the euro was little changed at $1.3822 after failing to sustain even the smallest of rallies overnight. It briefly popped up to $1.3854 following better news on euro zone manufacturing, but quickly ran out of steam.
The latest performance of manufacturing indexes showed euro zone businesses enjoyed the best month in nearly three years, led by a jump in Germany.
The "flash" PMI for the United States dipped a tick to 55.4 in April, missing forecasts of 56.0 but still pointing to solid growth in the sector.
However, there was worrying news on US housing as new home sales dived 14.5 percent in March on top of a 4.5 drop in February. The annualised sales pace of 384,000 was the second slowest since late 2012, a blow to what has been a major driver of the US economic recovery.
In commodity markets, oil prices recouped some of the losses suffered after US crude inventories hit a record high, with the continuing crisis in Ukraine keeping a floor under the market.
Brent crude for June delivery added 19 cents to $109.30 a barrel, while US crude gained 21 cents to $101.65.
Gold was holding steady around $1,285.96 an ounce but remained uncomfortably close to major chart support at $1,275.
Category: FinanceAsia


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Switzerland contains modern cities separated by huge glaciers, green Alpine meadows, a large number of ski runs, small mountain villages and high mountain summits that are covered with snow all the year round. More than half of Switzerland is covered by the Alps, which is one of the most important mountain ranges in Europe. It is therefore an excellent country for snow and skiing holidays.
Basel is situated on the Rhine, on the border with France and Germany. This city has a wide range of museums and is not far away from the Black Forest and the Vosges mountains.
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The Central Connecticut softball team shut out Saint Francis U 5-0 in game two of a doubleheader in Loretto, PA on Friday afternoon after dropping the first 3-2. Junior Kat Malcolm blasted a three-run homer in the top of the seventh to clinch the win for CCSU. The Blue Devils are now 22-13 overall and 8-4 in the NEC.
Reigning NEC and Corvais ECAC Pitcher of the Week Laura Messina pitched both games for CCSU. She struck out eight batters in game one and six more in game two, giving up nine hits in 13.0 innings.
In game two, Messina allowed just two hits en route to her 10th shutout of the season. Prior to Friday's doubleheader, Messina ranked fifth in the nation with nine shutouts, behind a four-way tie at 10. Messina also ranked 18th in the nation in strikeouts and now posts 199 on the season.
Game #1
The Blue Devils went down early in the first as the Red Flash (21-15, 4-4 NEC) put up two runs in the bottom of the inning, including a solo home run from SFU pitcher Alexis Bower.
Saint Francis U remained on top until CCSU tied it in the top of the fourth. Central posted three singles in the inning to score two runs. Freshman Sarah Drazin sent a single up the middle to score classmate Alexis Debrosse, who reached on error, followed by another from sophomore Hannah Cooper. Cooper drove in classmate Eileen Purcell, who reached base on a fielder's choice.
The Red Flash broke the tie in the bottom of the sixth with another solo homer, this time off the bat of SFU's Sabrie Neeb.
Central tallied five hits on the afternoon, two from Cooper, and one from Drazin and seniors Arielle Bruno and Tessa Brown. The Red Flash registered just one more hit but completed the game errorless in the field while the Blue Devils committed three fielding errors.
Game #2
After four innings of scoreless play, Drazin led off the top of the fifth with a solo homer, her second of the season, to give CCSU a narrow 1-0 lead. The Blue Devils plated one more run in the inning to lift the lead to two.
Central took a commanding lead in the top of the seventh. Sophomore Evie Rentzel led off with a single to second followed by a successful bunt from Brown to put two on base. With just one out, Malcolm stepped up to the plate to register her fourth home run of the season, tallying three RBI and giving CCSU the 5-0 lead.
The Blue Devils posted 13 hits compared to just two for Saint Francis U in game two and went errorless in the field. The Red Flash committed three errors.
Malcolm went 2-for-4 with three RBI and one run scored, leading the CCSU offense. Rentzel went 3-for-3, scoring one run while Purcell, and junior Ashley Black added two hits apiece. Bruno, Brown, Drazin and Cooper each posted one hit.
The Blue Devils will continue NEC action tomorrow, April 19, in another doubleheader. CCSU will play Robert Morris at 12 p.m. in Moon Township, PA. Fans can follow all of the action via LIVE STATS.


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A collection of scholarly works about individual liberty and free markets. A project of Liberty Fund, Inc.
1850 - 1933
Historical Period:
The 19th Century
Laughlin was head of the University of Chicago Economics Department, founder of its Graduate School of Business, and founder of the Journal of Political Economy. Laughlin brought his interest in monetary systems and the practical workings of free markets to general academic attention in the United States. He brought Thorstein Veblen to the University of Chicago.


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Brazen 'Thank You for Smoking' is a breathtaking satire
Christopher Buckley's novel "Thank You for Smoking," a decidedly non-PC slash-and-burn satire of social politics, media exploitation and the culture of spin, is an unlikely Hollywood project. The screen adaptation by Jason Reitman (making his feature debut) is, if anything, even more pointed and barbed than the novel.
Tobacco industry lobbyist Nick Naylor (Aaron Eckhart) is a manipulative, glib, proudly obfuscating "Yuppie Mephistopheles," according to his detractors. He's also our hero.
With brazen righteousness, Naylor zealously defends the right of "defenseless" corporate giants to market products that, when used as directed, likely will kill their clientele. His nemesis is a social nanny of an anti-tobacco senator (William H. Macy), an amateur in the art of spin compared to spinmaster Naylor.
It's hard not to admire the sheer gall of his medicine-show patter and con-man guile. Under his chummy but compassionless smile, Eckhart radiates charm and Naylor's true joys: manipulating arguments, steering debate, cooking words. As he explains to his enamored son (Cameron Bright), being a lobbyist "requires a moral flexibility that is beyond most people."
Reitman's witty adaptation keeps the satirical jabs coming fast and furious, from an inspired assassination attempt by anti-smoking guerrillas to Naylor's monthly meetings with the M.O.D. squad ("Merchants of Death" -- he vies with fellow lobbyists over bragging rights to the biggest killer: guns, alcohol or tobacco). But it also allows Naylor to see himself reflected in his son's eyes.
The moral of the film turns the issue of cigarettes and cancer and corporate responsibility into a cry for freedom of choice, fine on its face as long as we don't wade into the murkier waters of big-tobacco influence and its impact.
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"Thank You" is a sly, smart and very funny caricature of corporate politics and image culture. Reitman neither takes sides nor holds anyone accountable, a frustration to be sure, but he skewers the spin machine with such wicked wit that you can't help but laugh at the whole perverse, corrupt culture.


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skip navigation
The trend in the car multimedia sector is moving away from media with limited memory capacity like the CD towards re-recordable and, especially, mobile memory systems. A USB stick with an MP3 player not only enables a larger memory capacity but also an almost unlimited mobility.
With the new DXZ578RUSB, Clarion offers a USB-CD tuner that has one up on standard radios: with its scope of function and intuitive handling, the device represents a new developmental step in multimedia. The new SLIDETRAK handling concept enables intuitive usage with fewer buttons and a clearly arranged display.
The USB port installed on the front side supports all USB media, including classical memory sticks, MP3 players, as well as mobile hard disk drives. With these media, it can support a maximum of 255 directories with 65,025 files in total. The USB port is located on the right side of the device, at a safe distance from the steering wheel and can be directly reached without any bothersome wires. Just plug & play.
But if you get into the car with your brand new or old favourite CD, you don't need to do without your entertainment of choice. The integrated CD drive can play all established types of CDs, including those with MP3 or WMA files with copies of your favourite music on them, in case you forget your MP3 player or stick.
It goes without saying that the Clarion is equipped with a high-quality RDS tuner with 24 memory presets, because despite all its extras, it remains a car radio with all of the customary functions. It is always important to be up-to-date with the current traffic situation and what is happening in the world.
To make sure that the sound is impressive even without an additional power amplifier, four powerful MOS-FET power amplifiers, with 53 watts each, are already integrated. A 24-bit D/A converter provides first-class sound quality, as do the integrated active crossovers whose high-pass filters even protect the speakers connected to the power amplifiers from high-energy bass frequencies.
The DXZ578RUSB is compatible with most OEM steering wheel remote controls. Furthermore, Bluetooth BLT373 can also be connected (facilitating HFP, HSP and also A2DP, AVRCP).
With the introduction of Slidetrak, Clarion is going a step further with its H.M.I. interfaces. Slidetrak makes it possible to precisely control the key functions of the control device. With a simple movement of your fingertip, you have all key functions under control. Additionally, the Slidetrak maximises the available space on the front of the control device, which makes a large and easily legible display possible. With Slidetrak use, the button size is maximised allowing the driver to keep his eyes on the road while making selections on the device. This makes driving even safer.
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I was delighted to be there "in art" and shared with our Delightful creator Wendy that her darling digis were put on display! We were thrilled and thought you'd like to see these creations again! So enjoy!
Count Batula
Military Mike (colored)
Camping scene (colored)
Camouflage Digital Paper Pack
Snowie Lola
Winter fun sentiment set
Thank you for stopping by! Join us next week for a Guest Artist!


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"I looked at business schools all over Europe and felt that there were only very few that offered the right resources, that had the experience and the faculty to really offer a world class education."
For more information about The Director As Strategic Leader at Cranfield School of Management, please visit the webpage using the button above.
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Executive Development Programme
How long you will study
5 Days
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The Director as Strategic Leader programme provides you with knowledge and techniques to determine a clear, strategic direction for your organisation and implement strategic actions.
Learn More About This Course
There is more information about this course available on the Cranfield School of Management website
Notes about fees for this course
Fees include tuition, course materials and full board accommodation for the duration of the programme.
Contact Cranfield School of Management to find course entry requirements.
Tobias Ternes, Associate Corporate Finance, HSBC Germany, Finance and Management MSc alumnus, 2013
"I looked at business schools all over Europe and felt that there were only very few that offered the right resources, that had the experience and the faculty to really offer a world class education."
Michael Osakwe, Investment Management MSc current student (2017)
"From the excellent, diverse and very accessible faculty, to the superb facilities, there is a great focus on the practical application of knowledge and the emphasis on acquiring the much needed soft skills that make you a well-rounded finance professional."
Chang Song, Accelerated Management Scheme at Bakkavor, Logistics and Supply Chain Management MSc alumna, 2016
"The content of the MSc programme itself is incredibly practical. We have some of the best professors and doctors in the field, and the international presence of the students on the course is also brilliant for learning different cultures around the world."
There are 58 other courses listed from Cranfield School of Management. A selection of these are displayed below:
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A boy from New Orleans shows up a week and a half after Hurricane Katrina. Being one of only a handful of white kids at our school, he is a little edgy and approaches another white student cautiously.
"I've never been at a school with so many Hispanics," he whispers.
"It's Latino. Only the government uses Hispanic."
"Yeah, and if I were you, I would tell everyone that you're half-Mexican. It's what I did. There's a lot of really light Latinos out there, so people will believe you."
"But I'm not."
"Nobody knows that. Do you live with just your mom?"
He shakes his head affirmatively.
"Then say that your dad is Mexican. They'll just thing that your a guero instead of a gringo. You don't want people to think you're white trash."
"They use that term out here, too?" he asks with a look of shock.
His new guide shakes his head. "And if you live in the trailers people call you trailer trash. I been called that, too."
"I thought that was a Louisiana thing," the kid confesses.
"No, man, they use it here, too. It's worse out there," he points north, to the "good side" of town. "Someone called us white trash at church when they didn't think we heard."
"I'm good, though. I . . . you know, it's just a word. It don't matter to me," he says turning his face away to the playground and trying to make sense out of this new world he's inhabiting.
* * *
I understand why it's offensive to use the "n word" (a word so powerful that it recieves the magical Lord Voldemort treatment). What I don't understand is why it's cultural acceptable for people in the upper and middle class to marginalize the white working poor with a term like trash. And yet, I've heard this term in my own family, in the inner-city non-profit where I used to work and among fellow teachers.
Perhaps it's a statement about race and socioeconomic class. Minorities can be victims of discrimination, but whites, in this land of the American Dream, have no excuse for living in trailer parks or sketchy apartments and struggling to maintain a living. Perhaps it's a cultural statement about the way we must behave and speak and dress in order to be considered normal. Something that seems too blue collar is an easy target from the derision of those on both the left (who mock some of the bold displays of patriotism) and right (who mock what they perceive as laziness and broken families). Perhaps the middle class feels embarrassed by the perceived ignorance of the white working class. Or perhaps our culture sees them as trash; the byproduct of an American Dream that simply didn't work well for some people.
It's trendy in education to speak of race and social justice. We have a day off for Martin Luther King Jr. and de-emphasize his writings on poverty and the rigged housing system that kept the working class from buying homes. We teach Tolerance, but only through a vague lens of phenotype (with the cliche brown-black-white posters of smiling children).
I don't deny the need to deal with racial injustice. It's real and it's powerful and it deserves all the attention it gets. However, when it is still culturally acceptable to marginalize, stereotype and vilify the white working class, it suggests that educators should be at the forefront of a linguistic movement that treats people with a tone of dignity and respect. If we say we believe in the human potential and we say we believe that all children are valuable, how can we possibly sit idly while a segment of our society is referred to as "trash?"


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The "Mexploitation" action flick — which sprang from one of Grindhouse's fake trailers — will get both a prequel comic and an ongoing series from IDW starting in September. Awesome. The only problem: They picked the wrong Grindhouse character.
Don't get me wrong: If the comic — cowritten by Rodriguez and Aaron Kaufman, with art by Stuart Sayger — is half as pulptastic as the movie looks like it'll be, Machete will be a hoot:
But of all the characters that graced the screen in the Quentin Tarantino-Robert Rodriguez double-barrel double feature, the one I want more of is El Wray, Planet Terror's taciturn, knife-wielding bad-ass played by Freddy Rodriguez. He had a whole lot of Snake Plissken going on — what with the mysterious backstory, the gravelly voice, and the predilection for big guns — and he's the dude I'd like to read an ongoing comic about.
(Via Robot 6)


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MT backcountry hunter
Active Member
- Mar 9, 2011
- 172
- 0
I have a Magellan GPS that was purchased in 2007 and I have never had any issues with it. This weekend when out hunting I noticed that it was acting up on me. My location was about 5-10 miles away from where I actual was and it said that I was at 83,000 ft of elevation. I am sure what the model number is on the GPS but I was curious if any one else has had this problem. Not sure if I need to send it back or if a new software upload needs to happen. Hopefully someone can help me out. Thanks


text:
Windows XP Downgrades Get Another Reprieve
Page 1 of 1
In a reversal of its earlier stance, Microsoft officials confirmed that customers will be able to downgrade from Windows 7 to Windows XP for a year and a half after the new system ships, or until the first Service Pack drops -- whichever comes first.
While some industry observers the modified downgrade policy is a change for the better, at least one analyst says Microsoft (NASDAQ: MSFT) still hasn't enough to provide options for enterprises.
The downgrade option is also not available to all Windows 7 users: Downgrade rights apply to purchasers of Windows 7 Professional and Windows 7 Ultimate, so the option isn't available to customers who buy Windows 7 Home Premium.
Additionally, customers who have either Software Assurance subscriptions or Enterprise Agreements with Microsoft can continue to get the downgrade as long as they want.
Microsoft first disclosed that Windows 7 customers would have downgrade rights to XP -- instead of just to Window Vista -- back in April.
Previously, the company had set the cutoff date for downgrading to XP at six months after Windows 7's ship date, which is currently set for October 22. That would have cut off availability of XP downgrades on April 30, 2010.
Now that's been extended. The latest that Microsoft will enable XP downgrades will be the end of April 2011.
"Windows 7 Professional and Ultimate customers will have the option to downgrade to Windows XP Professional from PCs that ship within 18 months following the general availability of Windows 7 or until the release of a Windows 7 service pack (SP), whichever is sooner and if an SP is developed," a Microsoft spokesperson told InternetNews.com in an e-mail.
Rolling back the clock
There are reasons why customers might want to weigh their options when it comes to keeping Windows 7 or downgrading to XP. One significant shortcoming: mainstream support for XP expired on April 14. Microsoft's "extended support" is still available for the operating system, although that includes only security patches for free -- other support requires payment. That offering runs until August 8, 2014.
While the newest policy change may please some customers, it doesn't address the needs of many, according to Michael Silver, research vice president at Gartner.
"It's still bad ... they didn't fix it right," Silver told InternetNews.com. "There's still no firm end date, so companies won't know when downgrade rights expire."
That can play havoc with companies that need to meticulously plan, make preparations for, and deploy Windows 7.
So what should Microsoft do?
"They can give a firm date that's far enough out that organizations can get their applications tested," Silver said. "A date would be better so that customers would be able to deploy Windows 7 by the time downgrade rights expire."
Paul DeGroot, research vice president for channels and licensing at Directions on Microsoft, takes a different view on the latest change.
"The six-month timeframe doesn't fit anybody's time scale," DeGroot told InternetNews.com. "With 18 months, a lot of the problem has been removed."
Still, the new policy's uncertainty is a problem for him, too.
"I would have liked to have seen Microsoft say [expiration] is whichever comes later, because we don't know when SP1 is going to come out," DeGroot said.


text:
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Revista de Salud Pública
Print version ISSN 0124-0064
PULIDO-ROZO, Miriam; GONZALEZ-MARTINEZ, Farith and RIVAS-MUNOZ, Fabio. Prevalence of periodontal disease and oral hygiene indicators in high school students from Cartagena, Colombia. Rev. salud pública [online]. 2011, vol.13, n.5, pp.844-852. ISSN 0124-0064.
Objective Determining the prevalence of periodontal disease, treatment needs and associated factors in students from the John F. Kennedy School in Cartagena. Methods This was a cross-sectional study of 392 students selected by proportional random sampling stratified to the size of each course, considering a population framework of 902 subjects. The Community Periodontal Index of Treatment Needs (CPITN) was measured as well as the Green & Vermillon oral hygiene index. A univariate analysis was made of percentages and bivariate analysis using odds ratios (OR) and 95 % confidence intervals (95 %CI). Results All participants presented at least one disease indicator, the presence of calculus being most frequent (45.1 %). Regarding the oral hygiene index, 77.7 % of the participants had high bacterial plaque indices. The bivariate analysis revealed an association between oral hygiene (OR=2.20; 1.27-3.81 95 %CI) and socioeconomic level (OR=0.44; 0.24-0.80 95 %CI). Multivariate analysis led to a model being obtained in which gender, socioeconomic level and state of hygiene explained periodontal disease severity and treatment needs. Conclusions Periodontal disease load was extremely high, although most events were found to involve early stages, thereby allowing successful intervention to avoid disease progressing to advanced stages.
Keywords : Periodontal disease; oral hygiene; periodontal index.


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I am a begginer in programming with Java. I have to write a simple program which can compress a .txt file (for example dictionary).
- loading dictionary to memory (done)
- building Huffman's tree (done)
- writing it to .bin file (here is a problem)
When I try to write my String (for example "011011") to .bin I have much bigger file than .txt, I have to convert it to binary type and save bit after bit but I have no idea how to do that. What should I do first? I have string and I have to save it to a .bin file. Maybe could anyone write a function which may do that?
prototype of function:
public void saveToBin(String txt) { }


text:
Shortsleeves print blouse with elasticity. Wrap bust and elastic waistband for perfect fit with stripe on the side. A unique piece for outstanding looks. The model is 178 cm tall and is wearing S size
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Delivery Service within Europe:
Delivered within 3-5 working days.
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Standard service charges for the whole area of Greece are the following:
More than 50,00€ : Free of charge
Less than 50,00€ : A charge of 3€
94% Polyester 6% Spandex


text:
Happy Monday! I know those two words don't go together.. But I'm trying to be positive people – Plus, Monday is now O.V.E.R. 🙂
I've been a baddd blogger – Only posted two times in the past 14 days It's been rough getting back into my routine since I got back from vacation. But I think today is just what I needed and I am starting to feel back to normal!
Yesterday I ran a 5k for Colon Cancer in Memory of my Uncle Chuck in Washington DC with my entire family. He lost his battle almost 3 years ago and we've made an effort to support this cause as much as possible since then. This is probably the only time you wont hear me complain about waking up at 6am on a Sunday Morning to run in 35 degree weather.
I finished the 3.1 miles in 28 minutes! Last year it took me 34 minutes so that is a PR 🙂 I also stopped to talk to someone so I'm thinking I added an extra minute onto my time. I placed 197th out of 3000 so I'm happy with it. The person who crossed the finish line first finished in 14:43 – insane!
Team Schwink ❤ Miss you Uncle Chuck
Friday night was spent with some of my favorite girls – We headed out to Blue Agave for dinner and visited a few bars after. I thought the food was a little overrated but the sangria was delicious! I rarely go out anymore but when i saw that the temperature hit 78 degrees I was ready for a fun night out. Mission accomplished 🙂
I'm finally unpacked, eating healthy and
back to the gym will return to the gym tomorrow!
I haven't shown a full days eats in FOREVER so here it goes..
Breakfast: Blue Green Machine
I am officially addicted to adding spinach to my smoothies now! I know I'm a little late to jump on the bandwagon with this but I'm glad I finally did – If you have slacked even longer than I have, don't wait any longer..
Blue Green Machine
- 1 medium banana, sliced
- 1 cup frozen blueberries
- 1/2 cup unsweetened almond milk
- 5 ice cubes
- handful of baby spinach
- 1 tbsp flax seeds
- 1 heaping spoonful of brown rice protein powder
- 1/2 tsp nunaturals stevia baking blend with fiber
- Blend everything together and enjoy in your favorite glass with a straw
I love that you can only taste fruit in this smoothie because let's be honest…slurping up a leaf doesn't sound extremely appetizing! This is definitely a breakfast that will wake you up. You can never go wrong with extra energy on a Monday morning 🙂
Lunch: Dippy Egg, Muenster Cheese and Cinnamon Raisin Bagel Thin
Julie turned me on to Cinnamon raisin bagel thins.. But I decided I didn't like them with just cream cheese so when I mentioned that to her she told me I had to have one with melted cheese… Obviously if cheese is involved I'm in! Julie's a genius… These are perfect and only about 200 calories
Is it just me or does breakfast food taste 100x better than usual when you have it for lunch or dinner??
I was excited to see that my blog had over 6,000 hits on Saturday – That's another PR! I think I owe it all to Angela for posting my S'mores Dairy Free Vegan Ice Cream Recipe. Angela always has amazing looking recipes and pictures that make my mouth water. The most recent one I bookmarked was her butternut squash mac n cheeze. I made this tonight and it is to.die.for.
Did I mention it was healthy?
Butternut Squash Mac N Cheeze – 2 ways – Oh she Glows
- 3.5 cups raw butternut squash, chopped
- 3/4 cup raw cashews
- 1 cup unsweetened almond milk
- 1/2 tsp minced garlic
- 1/2 lemon, juiced
- 2 tsp sea salt
- 6-7 tbsp Nutritional yeast (provides the cheesy consistency)
- 1/2 tsp country dijon mustard
- 1/2 tsp or a bit more of dried Italian seasoning
- 1/4-1/2 tsp Tumeric powder, optional (gives the orangey colour)
- Freshly ground black pepper, to taste
- 1/4-1/2 tsp Paprika + more to season
- 4 cups of whole wheat rotini noodles
1. Preheat oven to 350F and line a baking sheet. In a bowl, season chopped squash with 1 tsp oil and couple pinches of sea salt and stir. Add to baking sheet and roast in oven for 40 minutes, flipping once half way through baking.
2. Assemble your cheeze sauce ingredients (cashews, non-dairy milk, garlic, lemon, salt, nutritional yeast, pepper, mustard, seasonings) and add just the cashews to food processor. Process until a fine crumb forms similar to corn meal.
Now add in the rest of the cheese sauce ingredients and process until smooth. Leave the sauce in the processor as you will be adding the squash.
4. Cook your pasta according to package directions. When squash is finished roasting, add it to the food processor and blend it with the cheese sauce until smooth. Adjust to taste. The sauce will thicken up with time. If at any point the sauce becomes too thick, you can add a bit of milk to thin it out.
5. Drain and rinse pasta with cold water.
Now add the pasta back into the same pot and add your desired amount of cheeze sauce on top. Stir well. Add in any desired mix-ins like peas or broccoli.
You can either heat this up in the pot, or pour it into a casserole dish (I used a mini loaf pan), sprinkle on panko + paprika, and bake it at 350 for about 20-25 minutes.
Comfort food at its best… and dairy free for my annoying lactose intolerant allergy (not that it stops me).
Packed with veggies, whole grains and extremely filling. I enjoyed the out of the pot version more than the baked… Plus, waiting 20 extra minutes to eat is not what I want to do and I will quickly give you this face if I'm starving.
I came across a new challenge on Morgan's blog that I am excited to start – 100 pushups! It guarantees that in 6 weeks you will be able to do 100 consecutive push-ups in a row. I have WEAK arms so this will definitely be a challenge for me. Wish me luck – I'm off to start my push-ups… I should be extremely sore tomorrow. If you want to join the challenge check out Morgan's blog!
I promise to be back on my healthy eating, fitness and blogging routine tomorrow. Have a good night 🙂
QUESTIONS: How many push ups can you do in a row? 11! What is your favorite comfort food? ice cream, pizza, and mac & cheese – all things that include dairy which I'm allergic to…awesome.